How to write a check

Making sense of the parts of a check

Though individuals use checks sparingly if at all, half of businesses rely heavily on check-writing to pay suppliers and contractors. Get to know the parts of a check with this visual guide.

Customers wrote just one check a year in 2024, on average

Major retailers like Target have stopped accepting checks in recent years as real-time payment systems are increasingly being implemented across the US. This shift is considered an improvement in safety—as checks are vulnerable to fraud—but can lead to some exclusion for those without access to digital devices.

The idea of a check—or promissory note—goes back to antiquity

As long as traders have looked to pay in cash or coin, the idea of an IOU has been close behind. Clay tablets from ancient Mesopotamia (roughly modern Iraq) and Persia (Iran) suggest proto-checks were used at the time. Islamic traders innovated "sakks" in the 9th century, leading to the broader adoption during the Middle Ages in Europe.

Experts recommend keeping one to two months' worth of expenses in checking

That amount allows you to pay your bills and avoid overdraft fees while ensuring you don't lose interest. Most checking accounts have a near-zero interest rate (0.07% APY on average) while high-yield savings could earn up to 4% as of 2026. Cash sitting in your checking account can mean a loss of hundreds of dollars.

Peruse a running sale of collectible checks

The George H. Labarre galleries hold regular auctions of collectible checks, along with other numismatic items (such as coins, paper money, and so on). See the antiquated iconography on old checks from railroads, regional banks, and businesses.

Master the banking basics

Before deciding on a credit union, it’s important that you understand the basics. That way you can know exactly what’s happening with your hard-earned money behind the scenes. Flip through these flashcards to make sure you understand key terms like “deposit” and “checking account.” Then, you can read up on top banking products and start to find a credit union that works for you. Click here, then scroll down the page to find the cards.

A guide to the homebuying process

From searching for the home itself to writing an offer letter to closing on the home, there are specific steps involved in becoming a homeowner. This checklist from a Tennessee real estate broker provides a visual outlining the basic steps of the process.

American Express is credited with inventing the traveler's check

In the 1890s, then American Express President James C. Fargo was frustrated that he couldn't get cash while traveling in Europe outside of major cities. Marcellus Berry, an American Express employee, came up with the idea of a traveler's "cheque": a prepaid check, similar to cash, that requires the signature of both the customer and the receiving institution to be valid. American Express never modernized the spelling of the word "cheque" and stopped providing them at the end of 2020.

How the checking account has evolved into a platform of features rather than a product

The accounts act as an anchor for customer relationships that banks need to retain said customers. As fintech companies unbundle the checking account without technically being chartered banks, traditional banks face pressure to innovate the checking account experience.

How to check your credit score

Contrary to popular belief, checking your credit score doesn’t hurt your credit. Many credit card companies show your score when you log into their app online, but there are other ways to check it.

Estate planning involves organizing your financial documents—and making sure your family knows where to find them

This article offers tips for keeping yourself organized, such as the list of documents your family may need and suggestions for where to keep the files, both digital and physical.

What is the 240 paychecks retirement rule?

Many people think about the large sum of money they'll require to retire comfortably. It can be intimidating. The 240 retirement method breaks that thinking down into paychecks. Specifically, the framework argues that the average retiree will need 240 paychecks to retire. Learn more here.

Four popular budgeting strategies

While budgeting is an individualized process, there are a few tried-and-true budgeting methods people interested in saving money or paying down debt tend to use. These methods include the envelope method—where people budget for things like rent, savings, and food by putting cash in various physical envelopes—the 50/20/30 method, and others. Read about four popular budgeting strategies in this article.

The first steps to rebuilding your credit score include getting to know exactly what's on your credit report and figuring out how far you are from the '700 club,' or 'good score' range.

Financial institutions use 'Know Your Client' standards to prevent money laundering

KYC standards include verifying customers' identities and conducting regular account checks for high-risk clients to avoid money laundering schemes. These standards obligate banks to report suspicious customers and activity.

What is a 401(k)?

Should you get a 401(k)? To make sense of this obscure piece of tax code, here’s a beginner’s guide to one of the more common forms of retirement savings in the US. Learn the history of the 401(k), how to sign up for one, the different types, and more in this well-organized and concise explainer from Investopedia.

Ledgers—what are they good for?

It might seem strange that a ledger—a dull and practical document associated mainly with accounting—would be described as a revolutionary technology. But the blockchain matters because ledgers matter. Read (or listen to) this 14 minute breakdown on why ledgers matter.

A man who counterfeited over $1M explains how to counterfeit money

In 2019, after Jeff Turner forged US banknotes such as the 1996-series $100 bill and the 2013 “blue note,” he was indicted on federal conspiracy and served 10 months in prison. In this video, Turner explains how to spot a fake banknote, and provides information about the materials and processes required to make fake money.

Tips for writing time travel stories

Are you thinking of writing a story that involves time travel? You might want to read this guide first. It offers questions to consider, mistakes to avoid and strategies to employ to ensure you avoid paradoxes, plot holes and implausibilities.

How to owe nothing on your federal tax return

Do you know you can avoid owing the IRS money come tax season by making changes to your W-4? For context, a W-4 is the form you fill out when you first start a new job. It tells your new company how much money to withhold from each paycheck for taxes. Find out how to avoid writing a check to the IRS each April in this article.

Wrestling terms you need to know

Wrestling may be scripted, but it’s built on its own vocabulary. From "babyfaces" and "heels" to "kayfabe" and "finishers," this explainer breaks down the key terms that shape what fans see in the ring—and what’s really going on behind the scenes.

Voting by mail in the US

Voting by mail, also known as “absentee” voting, exists in every US state in various forms. Use Reuters’ graphic to understand voting by mail in the US. The practice of voting by mail dates back to the US Civil War when lawmakers wanted to...

King's 'On Writing' is a classic text about his craft

Stephen King is known first and foremost as a horror writer. However, one of his best-known books happens to be nonfiction. “On Writing,” published in 2000, is part autobiography and part instruction manual. King explains how he came to his craft and offers advice on ways aspiring writers can improve.

View a list of simple ways you can avoid catching a computer virus

Because this type of malware requires human intervention, such as plugging an infected flash drive into a computer or downloading and running an infected file, the chance of infection can be greatly reduced by being cautious about unfamiliar emails, attachments, and links. Keeping systems up to date with the latest security fixes is also crucial.

Mathematicians often solve problems using wordless mental processes

It's a common technique among expert mathematicians, where thinkers rely on intuition, blurry perceptions and subconscious work—no writing, no formulas. The state is distinct from daydreaming, and often relies on sudden illuminations stemming from extended periods of subconscious reflection.

Cryptocurrency wallets for beginners

Cryptocurrency wallets come in many types. Here, we present the details, comparing the wallets’ features so that you can choose the best crypto wallet for your needs.

Learn how to read a prospectus, the juicy document that any company must file with the SEC before going public.

Some coin denominations have ridges etched on their sides, partly to prevent counterfeiting, in a practice called 'reeding.'

Meet the 56 signers of the Declaration of Independence—most of whom didn't put pen to paper until August 2, 1776—and see their original signatures.

Explore fun facts from the USPS, including unique post office buildings, a stamp that traveled past Pluto, and more.

20,000 letters to the advice columnist 'Dear Abby' provide insight into prevailing sex, religion, and LGBTQ fears, anxieties, and concerns from the 1950s onward.

Watch the cumbersome, but necessary, precautions healthcare workers must take to care for and protect themselves while caring for Ebola patients.

Use this tool to calculate the dollar value of your parental mental load, from meal planning to coordinating after-school care, then see resources that help generate solutions.

As of 2025, the most cited papers in science include a review of graphene, methods to improve image recognition, streamlining electron density calculations, and optimizing protein studies.

Elk Cloner, the first computer virus to spread in public, was written as a practical joke by Richard Skrenta, a Pittsburgh high school student.

To reduce wrinkles in clothing, research recommends gentle wash cycles with more water and tumble drying with smaller loads and longer times.

See how fireworks are made and learn how metals like magnesium and copper are responsible for different colors.

When you complete a CAPTCHA on a website to prove you are human, you may be unknowingly training algorithms for self-driving cars, whose systems require training data to help identify crosswalks, bicycles, and other outdoor objects.

The United States is one of only around two dozen countries with a fully federal system of government, in which power is divided between national and state governments.

Children are now three times more likely to say they want to be a YouTuber when they grow up than an astronaut, with some even attending 'YouTube camps' that teach kids how to create content for the platform.

Chaos theory—informally known as the butterfly effect—is the reason why weather forecasts are presented with probabilities rather than certainties.

Long before Major League Baseball began allowing instant replay for balls and strikes, an umpire reluctantly used the technology to determine whether a hit was a home run, a move that inadvertently ushered in a new era for the sport.

Pure water does not conduct electricity because this flow of energy requires the movement of charged particles, and water is a neutral molecule.

Gerrymandering works through two techniques: cracking opposing voters across districts to dilute their power, and packing them into a few to waste their votes in lopsided majorities.

Bone marrow (soft tissue found inside certain bones) generates roughly 500 billion new blood cells each day

The term 'algorithm' originated from the Latinized name of al-Khwārizmī, a 9th-century mathematician whose works introduced Arabic numerals and the decimal-based numeral system to Europe and whose treatise 'Al-Jabr' gave algebra its name.

For centuries, it was common to sleep in two shifts: a few hours at the beginning of the night, and a longer period beginning around midnight

The Brothers Grimm were lawyers before they were storytellers, and became interested in fairy tales as they began investigating how rules and customs had been passed down through cultures.

Explore a list of the 100 best novels of all time, compiled by some of the world's best living writers, including Salman Rushdie, Stephen King, and Jennifer Egan.

Volcanoes 'die' when their supply of magma runs out, if they are shifted away from their underlying magma reservoir, or if they get clogged by collapsing or their magma cooling back into rock.